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There are companies that are offering 0 percent transfers for six months to a year, and some without any transfer fees (cash advance fee). Try to get one for a year without the fee. Fees range from minimum 50 to 75 dollars (or 3 percent). If you can't get a year, go for six months. Do not take any card that has an annual fee. Get as many of these offers as you can and start transferring your balances as soon as possible. Keep a close eye on when payments are due. The reason they offer 0 percent transfers is because they hope you will be late so they can go to the default rate. But don't do it. Cut up all but one emergency card. Stop charging. Good luck!
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